Notes from the studio
Stories behind the cards, what the game's own tests show, and how DECADES and Spellnest are made. The games are fiction, and nothing here is advice about your own money.
Lending out your bank account is now a crime
Since 30 October 2024, letting someone else use your bank account is an offence in Malaysia. The law, the penalties, who to call, and the DECADES cards on it.
EPF's three accounts, and the one you can empty
Since May 2024, EPF splits new money three ways, and one account can be withdrawn at any time. What each is for, what happens at 55, and the DECADES cards.
Car loans and the end of the flat rate
Malaysia's new hire purchase law moves car loans from a flat rate to interest on what you still owe. What changed, what did not, and the DECADES cards.
Paying only the minimum on a credit card
Pay only the minimum on a RM 3,000 card balance at 18% and it takes over four years to clear. Bank Negara's card rules, and the DECADES cards about it.
EPF, PTPTN, BNPL, takaful, SOCSO and AKPK explained
EPF, PTPTN, BNPL, takaful, SOCSO and AKPK. What each one is in real life, from the official pages, and the DECADES card where you meet it first.
The card about the aunt who sells insurance
The story behind one DECADES card: a Raya visit, an aunt who has just become an insurance agent, and a form already out. Why it exists, what it teaches.
What 12,000 simulated lives say over sixty years
Twelve simple bots each lived sixty years of DECADES, from 18 to 78, a thousand times. Who reached old age, and what a house, shares or a stall did.